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NEW QUESTION # 32
Which statement is true regarding the presence of both hashed and truncated versions of the same PAN in an environment?
- A. Hashed and truncated versions of a PAN must not exist in same environment.
- B. The hashed and truncated versions must be correlated so the source PAN can be identified.
- C. The hashed version of the PAN must also be truncated per PCI DSS requirements for strong cryptography.
- D. Controls are needed to prevent the original PAN being exposed by the hashed and truncated versions.
Answer: D
Explanation:
PCI DSS allows for theuse of truncation and hashingfor protecting PAN, butRequirement 3.4.1and its guidance warn againstcombining hashed and truncated PANsin such a way that the original PAN could be reconstructed. If both formats exist,controls must ensurethey can't be used together to reverse-engineer the PAN.
* Option A:#Correct. Controls must ensure PAN cannot be reconstructed using both versions.
* Option B:#Incorrect. A hashed PAN does not need truncation - hashing is a separate mechanism.
* Option C:#Incorrect. PCI DSS aims to prevent correlation, not encourage it.
* Option D:#Incorrect. They can coexist, but must be secured so that PAN cannot be derived.
NEW QUESTION # 33
An organization wishes to implement multi-factor authentication for remote access, using the user's individual password and a digital certificate. Which of the following scenarios would meet PCI DSS requirements for multi-factor authentication?
- A. Change control processes are in place to ensure certificates are changed every 90 days.
- B. Certificates are logged so they can be retrieved when the employee leaves the company.
- C. A different certificate is assigned to each individual user account, and certificates are not shared.
- D. Certificates are assigned only to administrative groups, and not to regular users.
Answer: C
Explanation:
PCI DSSRequirement 8.4.2requiresmulti-factor authentication (MFA)to consist of two or moreindependent authentication factors. MFA must alsonot involve shared credentials, so each certificate must be tied to a specific individual.
* Option A:#Incorrect. MFA must apply toall applicable users, not just admins.
* Option B:#Correct. This meets PCI DSS: unique credentials per user and non-shared certificates.
* Option C:#Incorrect. Retaining certificates post-employment is a risk, not a compliance action.
* Option D:#Incorrect. PCI DSS doesn't mandate 90-day certificate rotation; rather, secure usage and revocation are key.
NEW QUESTION # 34
An entity wants to know if the Software Security Framework can be leveraged during their assessment.
Which of the following software types would this apply to?
- A. Only software which runs on PCI PTS devices.
- B. Software developed by the entity in accordance with the Secure SLC Standard.
- C. Validated Payment Applications that are listed by PCI SSC and have undergone a PA-DSS assessment.
- D. Any payment software in the CDE.
Answer: B
Explanation:
TheSoftware Security Framework (SSF)is intended to support entities usingbespoke and custom softwarewithin the Cardholder Data Environment (CDE). If the software is developed and maintained in accordance with theSecure Software Lifecycle (SLC) Standard, it can help demonstrate secure software development practices and potentially reduce the number of applicable PCI DSS requirements.
* Option A:Incorrect. Not all payment software qualifies unless developed under SSF standards.
* Option B:Incorrect. PCI PTS devices follow different hardware security standards.
* Option C:Incorrect. PA-DSS has been retired; those applications are now listed as "Acceptable Only for Pre-Existing Deployments".
* Option D:Correct. Software developed under the Secure SLC Standard may help an entity meet some requirements in PCI DSS Requirement 6.
Reference:PCI DSS v4.0.1 - Appendix F; Section 3, page 7; Secure Software Lifecycle (Secure SLC) Standard.
NEW QUESTION # 35
Where can live PANs be used for testing?
- A. Testing with live PANs must only be performed in the QSA Company environment.
- B. Production (live) environments only.
- C. Pre-production (test) environments only if located outside the CDE.
- D. Pre-production environments that are located within the CDE.
Answer: D
Explanation:
Requirement 6.4.3.1clarifies that if live PANs are to be used in testing, the test environment mustmeet all applicable PCI DSS controls. Thus,testing with live PAN is only allowed if the test environment is within the CDEand fully secured.
* Option A:#Incorrect. Testing should not happen in production.
* Option B:#Incorrect. It must be within the CDE if live PAN is involved.
* Option C:#Correct. Live PANs can be used inpre-production environments within the CDE.
* Option D:#Incorrect. There's no requirement to test only within QSA environments.
NEW QUESTION # 36
What process is required by PCI DSS for protecting card-reading devices at the point-of-sale?
- A. Device identifiers and security labels are periodically replaced.
- B. Devices are physically destroyed if there is suspicion of compromise.
- C. Devices are periodically inspected to detect unauthorized card skimmers.
- D. The serial number of each device is periodically verified with the device manufacturer.
Answer: C
Explanation:
Requirement9.9.2of PCI DSS v4.0.1 mandates that entitiesregularly inspect POS devicesto detect signs of tampering or skimming. This includes physical inspections to identify unexpected additions, unauthorized stickers, broken seals, etc.
* Option A:Correct. Regular inspection for skimming/tampering is required.
* Option B:Incorrect. There is no mandate for manufacturer serial number verification.
* Option C:Incorrect. PCI DSS does not require routine replacement of device identifiers or labels.
* Option D:Incorrect. Devices may be investigated if compromised, but not necessarily destroyed.
NEW QUESTION # 37
Which statement about PAN is true?
- A. It does not require protection for transmission over public wired networks.
- B. It must be protected with strong cryptography tor transmission over private wired networks.
- C. It must be protected with strong cryptography for transmission over private wireless networks.
- D. It does not require protection for transmission over public wireless networks.
Answer: C
Explanation:
PAN Transmission Protection
* PCI DSS Requirement 4.1 mandates strong cryptography for PAN during transmission over both public and private wireless networks to prevent unauthorized interception.
Incorrect Options
* Options B and D: PAN protection is not required for private wired networks.
* Option C: PAN must be protected during transmission over public wireless networks.
NEW QUESTION # 38
Which statement is true regarding the use of intrusion detection techniques, such as intrusion detection systems and/or Intrusion protection systems (IDS/IPS)?
- A. Intrusion detection techniques are required on all system components.
- B. Intrusion detection techniques are required to isolate systems in the cardholder data environment from all other systems
- C. Intrusion detection techniques are required to alert personnel of suspected compromises.
- D. Intrusion detection techniques are required to identify all instances of cardholder data.
Answer: C
Explanation:
PCI DSS Requirement:
* Requirement 11.4 mandates the implementation of intrusion detection and/or intrusion prevention techniques to alert personnel of suspected compromises within the cardholder data environment (CDE).
Purpose of IDS/IPS:
* These systems are deployed to identify potential threats and alert relevant personnel, enabling them to take corrective actions to prevent data breaches.
Rationale Behind Correct answer:
* A:Intrusion detection is required only for in-scope components, not all system components.
* C/D:Intrusion detection systems do not perform isolation or identification of all cardholder data; they monitor for and alert on potential intrusions.
NEW QUESTION # 39
The intent of assigning a risk ranking to vulnerabilities is to?
- A. Prioritize the highest risk items so they can be addressed more quickly.
- B. Ensure that critical security patches are installed at least quarterly.
- C. Ensure all vulnerabilities are addressed within 30 days.
- D. Replace the need for quarterly ASV scans.
Answer: A
Explanation:
PCI DSSRequirement 6.3.1requires entities toassign a risk rankingto vulnerabilities (e.g., high, medium, low) to ensure thatremediation efforts are prioritised. This risk-based approach helps organisations focus resources where they are most needed.
* Option A:#Incorrect. Timeframes depend on the severity and internal policy, not always 30 days.
* Option B:#Incorrect. Risk ranking supports remediation but doesn't replace scanning.
* Option C:#Correct. The purpose is toprioritise higher-risk itemsfor faster action.
* Option D:#Incorrect. Patch frequency is addressed elsewhere (Requirement 6.3.3).
NEW QUESTION # 40
What do PCI DSS requirements for protecting cryptographic keys include?
- A. Public keys must be encrypted with a key-encrypting key.
- B. Data-encrypting keys must be stronger than the key-encrypting key that protects it.
- C. Private or secret keys must be encrypted, stored within an SCD, or stored as key components.
- D. Key-encrypting keys and data-encrypting keys must be assigned to the same key custodian.
Answer: C
Explanation:
Key Management Requirements:
* PCI DSS Requirement 3.5 specifies the protection of cryptographic keys, including encryption, storage in secure cryptographic devices (SCDs), or as key components to ensure security and prevent unauthorized access.
Clarifications on Cryptographic Key Protection:
* A/B:Public keys and key strength requirements are not specified in this context.
* D:Separation of duties mandates that key-encrypting and data-encrypting keys must not be assigned to the same custodian.
Testing and Validation:
* QSAs verify compliance by examining key management practices, storage mechanisms, and access controls for cryptographic keys during the assessment.
NEW QUESTION # 41
In accordance with PCI DSS Requirement 10, how long must audit logs be retained?
- A. At least 2 years, with the most recent 3 months immediately available.
- B. At least 2 years, with the most recent month immediately available.
- C. At least 1 year, with the most recent 3 months immediately available.
- D. At least 3 months, with the most recent month immediately available.
Answer: C
Explanation:
PerRequirement 10.5.1.2, audit logs must be retained forat least one year, and the mostrecent three months must be readily availablefor analysis. This ensures traceability of security events over both short and longer- term periods.
* Option A:#Correct. Matches both duration and availability criteria.
* Option B:#Incorrect. Two years is not required.
* Option C:#Incorrect. The retention period is misstated.
* Option D:#Incorrect. One month is insufficient for immediate access.
NEW QUESTION # 42
Which of the following describes "stateful responses" to communication initiated by a trusted network?
- A. Active network connections are tracked so that invalid "response" traffic can be identified.
- B. Logs of user activity on the firewall are correlated to identify and respond to suspicious behavior.
- C. Administrative access to respond to requests to change the firewall is limited to one individual at a time.
- D. A current baseline of application configurations is maintained and any misconfiguration is responded to promptly.
Answer: A
Explanation:
Stateful inspection (or stateful packet filtering)tracks the state of active connections and determines which packets are part of a valid session.Requirement 1.4.2references the use of network security controls (NSCs) withstateful filteringcapability to allow legitimate trafficonly in response to trusted requests.
* Option A:#Incorrect. Firewall admin procedures are not what "stateful" refers to.
* Option B:#Correct. "Stateful responses" mean tracking existing connections toblock unauthorised or spoofed responses.
* Option C:#Incorrect. That describes configuration management, not stateful filtering.
* Option D:#Incorrect. Logging is important but not part of stateful inspection.
NEW QUESTION # 43
At which step in the payment transaction process does the merchant's bank pay the merchant for the purchase, and the cardholder's bank bill the cardholder?
- A. Clearing
- B. Authorization
- C. Settlement
- D. Chargeback
Answer: C
Explanation:
Thesettlement phaseis when:
* Themerchant's acquiring bank pays the merchant, and
* Theissuing bank bills the cardholder.
This occursafter authorization and clearinghave already taken place.
* Option A:#Incorrect. Authorization verifies the card and funds but doesn't trigger payment.
* Option B:#Incorrect. Clearing exchanges transaction details between banks but doesn't finalise funds.
* Option C:#Correct. Settlement is whenfunds are actually transferred.
* Option D:#Incorrect. Chargebacks reverse transactions, not settle them.
NEW QUESTION # 44
An entity wants to know if the Software Security Framework can be leveraged during their assessment.
Which of the following software types would this apply to?
- A. Only software which runs on PCI PTS devices.
- B. Software developed by the entity in accordance with the Secure SLC Standard.
- C. Validated Payment Applications that are listed by PCI SSC and have undergone a PA-DSS assessment.
- D. Any payment software in the CDE.
Answer: B
Explanation:
TheSoftware Security Framework (SSF)is intended to support entities usingbespoke and custom softwarewithin the Cardholder Data Environment (CDE). If the software is developed and maintained in accordance with theSecure Software Lifecycle (SLC) Standard, it can help demonstrate secure software development practices and potentially reduce the number of applicable PCI DSS requirements.
* Option A:Incorrect. Not all payment software qualifies unless developed under SSF standards.
* Option B:Incorrect. PCI PTS devices follow different hardware security standards.
* Option C:Incorrect. PA-DSS has been retired; those applications are now listed as "Acceptable Only for Pre-Existing Deployments".
* Option D:Correct. Software developed under the Secure SLC Standard may help an entity meet some requirements in PCI DSS Requirement 6.
NEW QUESTION # 45
Which systems must have anti-malware solutions?
- A. All CDE systems, connected systems.NSCs, and security-providing systems.
- B. Any in-scope system except for those identified as 'not at risk' from malware.
- C. All systems that store PAN.
- D. All portable electronic storage.
Answer: B
Explanation:
Scope of Anti-Malware Requirements
* PCI DSS Requirement 5 mandates the use of anti-malware solutions on all in-scope systems unless the system is specifically documented as not being at risk from malware.
* Examples of systems not at risk include those using operating systems that do not support anti-malware tools, provided proper justifications and alternative controls are implemented.
Assessment Considerations
* QSAs must verify and document why a system is considered "not at risk."
* Systems storing, processing, or transmitting cardholder data or that could impact the CDE are generally in-scope for anti-malware.
Incorrect Options
* Option A: While CDE systems and connected systems require protection, the requirement applies specifically to systems at risk from malware.
* Option B: Portable electronic storage is not explicitly called out for universal anti-malware but must be controlled in line with overall security policies.
* Option C: Systems storing PAN are only a subset of in-scope systems.
NEW QUESTION # 46
Which of the following is required to be included in an incident response plan?
- A. Procedures for launching a reverse-attack on the individual(s) responsible for the security incident.
- B. Procedures for securely deleting incident response records immediately upon resolution of the incident.
- C. Procedures for notifying PCI SSC of the security incident.
- D. Procedures for responding to the detection of unauthorized wireless access points.
Answer: D
Explanation:
According toRequirement 12.10.1, an effectiveincident response plan (IRP)must include steps to detect, respond to, and contain incidents such asunauthorised wireless access points. PCI DSS11.2.1also mandates quarterly rogue AP detection.
* Option A:#Incorrect. Notification to PCI SSC is not required; notification goes toacquirers/payment brands.
* Option B:#Correct. The IRP must includeresponse to unauthorised wireless access detection.
* Option C:#Incorrect. Records must beretained, not deleted.
* Option D:#Incorrect. Retaliatory or offensive actions arenot allowed or recommended.
References:
PCI DSS v4.0.1 - Requirements 12.10.1 and 11.2.1.
NEW QUESTION # 47
Which scenario describes segmentation of the cardholder data environment (CDE) for the purposes of reducing PCI DSS scope?
- A. Virtual LANs that route network traffic between the CDE and out-of-scope networks.
- B. A network configuration that prevents all network traffic between the CDE and out-of-scope networks.
- C. Firewalls that log all network traffic flows between the CDE and out-of-scope networks.
- D. Routers that monitor network traffic flows between the CDE and out-of-scope networks.
Answer: B
Explanation:
Segmentation Defined
* PCI DSS v4.0 specifies that effective segmentation separates the CDE from out-of-scope environments, minimizing the risk of unauthorized access to cardholder data.
Key Requirements for Segmentation
* Network traffic between the CDE and out-of-scope networks must be completely prevented. This ensures that out-of-scope systems cannot introduce risks to the CDE.
* Methods like firewalls, ACLs (Access Control Lists), and other technologies may be used to enforce segmentation.
Incorrect Options
* Monitoring or logging traffic (Options A and B) without preventing access does not achieve segmentation.
* Virtual LANs (Option C) alone are insufficient unless properly configured to enforce traffic isolation.
NEW QUESTION # 48
Which statement is true regarding the PCI DSS Report on Compliance (ROC)?
- A. The assessor must create their own ROC template tor each assessment report.
- B. The ROC Reporting Template provided by PCI SSC is only required for service provider assessments.
- C. The assessor may use either their own template or the ROC Reporting Template provided by PCI SSC.
- D. The ROC Reporting Template and instructions provided by PCI SSC should be used for all ROCs.
Answer: D
NEW QUESTION # 49
Viewing of audit log files should be limited to?
- A. Individuals with a job-related need.
- B. Individuals with read/write access.
- C. Individuals who performed the logged activity.
- D. Individuals with administrator privileges.
Answer: A
Explanation:
Requirement 10.5.1.1requires thataudit logs be protected from unauthorised viewing and modification, and access should berestricted to individuals with a job-related need to view them. This principle aligns with least privilege and ensures accountability.
* Option A:#Incorrect. The person who performed the action may not need to view logs.
* Option B:#Incorrect. Read/write access istoo permissive.
* Option C:#Incorrect. Not all administrators need access to logs.
* Option D:#Correct. Access should bebased on job function.
NEW QUESTION # 50
Which of the following statements Is true whenever a cryptographic key Is retired and replaced with a new key?
- A. Cryptographic key components from the retired key must be retained for 3 months before disposal.
- B. Anew key custodian must be assigned.
- C. The retired key must not be used for encryption operations.
- D. All data encrypted under the retired key must be securely destroyed.
Answer: C
NEW QUESTION # 51
The Intent of assigning a risk ranking to vulnerabilities Is to?
- A. Prioritize the highest risk items so they can be addressed more quickly.
- B. Ensure that critical security patches are installed at least quarterly
- C. Ensure all vulnerabilities are addressed within 30 days.
- D. Replace the need for quarterly ASV scans.
Answer: A
Explanation:
Intent of Risk Ranking
* PCI DSS Requirement 6.3.2 requires that entities assign a risk ranking to vulnerabilities to prioritize remediation efforts.
* This ensures that the most critical vulnerabilities are addressed in a timely manner, reducing the risk to the CDE.
Practical Implementation
* Vulnerabilities are assessed based on potential impact and likelihood of exploitation, typically using industry-standard frameworks like CVSS.
* High-risk vulnerabilities may require immediate attention, while lower-priority issues are remediated per schedule.
Incorrect Options
* Option A: PCI DSS does not mandate a 30-day remediation window for all vulnerabilities; remediation timelines depend on risk.
* Option B: Quarterly ASV scans are still required even with risk ranking.
* Option D: Installing patches quarterly does not align with the dynamic prioritization of risks.
NEW QUESTION # 52
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